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Qurable vs Talon.One: enterprise loyalty platforms in Latin America

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Promotions and loyalty engine for enterprise brands in retail, QSR, travel and finance, according to its website. Adyen closed its acquisition on July 1, 2026. Qurable is a loyalty platform built in Latin America that decides the reward inside the payment authorization, in ~150 ms, with live programs in more than 6 markets in the region.

Updated · 10 min read

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Latin America, live

Fuel, quick-service, retail, airline and payments programs already run on Qurable.

Shell Box, ON by Axion Energy, Mostaza's MostaClub, Grupo Dabra's TRIBU and SKY Plus, among others. Figures come from published cases.

Read the TRIBU caseSee all cases
  • 550,000Monthly active usersON by Axion Energy
  • +1MMembers in the first yearTRIBU, by Grupo Dabra
  • 45 daysTo go liveTRIBU, by Grupo Dabra
  • 3 countriesIn a single launchMostaClub: Argentina, Uruguay and Paraguay

Programs running on Qurable

  • Shell Box
  • ON de Axion Energy
  • Mostaza
  • TRIBU
  • SKY Airline
  • Pomelo
  • Banco Santander
  • Banisi
  • Rappi
  • CU Travel
See the cases

Key takeaways

  1. This comparison uses only public data about Talon.One, with source and date.
  2. Qurable decides the reward inside the payment authorization, in ~150 ms.
  3. Qurable's sales, product and technical teams are in the region.

The comparison

Two enterprise platforms, two starting points.

A side-by-side summary. Talon.One data comes from its website and press releases; sources are listed below the table.

Comparison between Talon.One and Qurable
Talon.OneQurable
Origin and focusGerman company founded in 2015, based in Berlin. Adyen acquired it for €750M; the deal closed on July 1, 2026.Loyalty and engagement platform built in Latin America
Presence in Latin AmericaIts website says it has clients in LATAM. Published cases: PedidosYa (7 South American countries) and Finvero (Mexico, 2022).Live programs in more than 6 markets in the region, with named clients in Argentina, Chile, Uruguay, Paraguay, Peru, Panama and Mexico
TeamOffices in Berlin, London, Boston and Singapore, and 300+ employees, according to its website. LATAM offices or partners: Not published.Sales, product, technical and implementation teams in Latin America, in Spanish and in the client's time zone
Key industriesRetail and ecommerce, QSR, travel and hospitality, finance, and on-demand and grocery, according to its website.Fuel retail, restaurants and QSR, airlines, banks and fintechs, multi-brand retail and consumer goods
Multiple countries and currenciesSupports multi-market, multi-brand and multi-currency setups, according to its website.One program with rules, currencies and liability split by country
Where the reward is decided40 ms response time and live offers on any customer action, according to its website. Adyen plans to adjust promotions during the purchase.Inside the payment authorization, in ~150 ms, at the POS, processor or checkout
Points accountingConfigurable point currencies and tiers, according to its website. Liability accounting and expirations: Not published.Double-entry ledger: every credit is a batch with its own expiration; FIFO, FEFO or LIFO consumption; overdraft and clawback with recorded debt; real-time liability by currency and country
Coupons and promotionsDiscounts, coupons and personalized, gamified promotions, online and in store. Its Rule Builder sets up campaigns without development work, according to its website.Coupon books and promotions by rule, audience, payment method or basket, with budgets, caps, A/B testing and the best promotion for each purchase
CoalitionNot publishedPoints exchange between brands at each program's rate, and co-funded promotions with each party's share recorded
Customer viewUses real-time customer data and integrates with Braze, Twilio Segment, Salesforce Commerce Cloud and SAP, according to its website.One profile per member, recognized in store, in the app and online; personalization uses purchases from every channel
AIMCP server in closed beta: gives AI agents read-only access to campaigns, customers, coupons and loyalty, according to its documentation.AI decision engine that segments and personalizes each customer's reward; assistant that drafts campaigns with human approval; MCP server
FrontendsDeveloper documentation and 20+ integrations, such as commercetools, Shopify and BigCommerce, according to its website. White-label components: Not published.White-label components and SDKs for the client's app and website; Pomelo and Credit Union Travel offer loyalty with Qurable behind it, run from their own console
AnalystsRepresentative Vendor in the 2025 Gartner Market Guide for Loyalty Program Vendors; included in the 2024 IDC MarketScape for Retail Loyalty, according to its website.No analyst evaluation yet
PricingOn request. Starter, Professional and Enterprise plans, according to Capterra.On request

Sources on Talon.One: Talon.One website, home (accessed 10/09/2026) · Talon.One website, About us (accessed 10/09/2026) · Talon.One website, Wallets (accessed 10/09/2026) · Talon.One, PedidosYa case study (accessed 10/09/2026) · Talon.One, Finvero case study (accessed 10/09/2026) · Talon.One docs, MCP server (accessed 10/09/2026) · Adyen, press release on closing the Talon.One and Orb acquisitions (accessed 10/09/2026) · Payments Dive, Adyen to acquire Talon.One (accessed 10/09/2026) · Capterra, Talon.One listing (accessed 10/09/2026)

Talon.One is a trademark of its owner. This comparison uses public information available as of October 9, 2026. «Not published» means we did not find the data in Talon.One's public sources. If something is out of date, write to us and we will correct it.

When each one fits

The choice depends on where your program lives.

The difference is geographic scope, where the reward is decided and who supports the program.

  • The reward belongs in the payment

    You want customers to see it at the register, on the card or at checkout, not days later.

  • You want a team in the region

    Sales, product and technical teams in Latin America, in your language and time zone.

  • You run a coalition

    Points exchange between brands and co-funded promotions, with each party's share on the ledger.

  • Finance controls liability

    Batches with expirations, FIFO or FEFO consumption and every movement auditable.

  • Marketing runs complex promotions

    By payment method, basket, audience or supplier, without asking engineering for changes.

  • You need to move fast

    Implementation in 1 to 3 months, in phases, in your cloud or ours.

  • Complex promotions at scale

    If you want to launch coupons and discounts with time, location and customer rules without development work, its Rule Builder is built for that, according to its website.

  • Merchants already on Adyen

    Adyen is integrating Talon.One's promotions engine with its payments and billing platform, according to its July 2026 press release.

  • Composable stacks

    Integrates with commercetools, SAP, Shopify, Braze and Segment, among 20+ technology partners, according to its website.

  • Integrate with your stack

    CRM, marketing, POS and ecommerce, without replacing what already works.

  • See it all in production

    Ask for named cases in your industry and country, not just logos.

  • Measure against a control group

    To know how much more the program sold, not just how many rewards it gave.

By industry

Programs that already run on Qurable.

Named clients in every industry we serve, with the cases we have published.

  • Fuel retail

    Shell Box and ON by Axion Energy

    The Shell Box and ON by Axion Energy programs run on Qurable in Argentina.

    Result
    ON: 550,000 monthly active users.
    Read the case

  • Restaurants and QSR

    Mostaza's MostaClub

    A program launched in three countries at once, with the reward applied at the register.

    Markets
    Argentina, Uruguay and Paraguay.
    Read the case

  • Airlines

    SKY Plus, by SKY Airline

    Points, missions, three tiers and more than 70 partnerships on a single platform.

    Market
    Chile.
    Read the case

  • Banks and fintechs

    Pomelo, Santander Peru, Banisi and Konfío

    Cashback and points decided inside the card authorization. At Pomelo, Qurable works as a white-label platform: clients always operate from Pomelo's console.

    Status
    Live.
    Loyalty for banks and fintechs

  • Multi-brand retail

    TRIBU, by Grupo Dabra

    One program for Dexter, Moov and Stock Center, in store and online.

    Result
    More than 1 million members in the first year.
    Read the case

  • Travel rewards

    Credit Union Travel

    A white-label travel rewards platform for credit unions, built on Qurable.

    Market
    United States.

How to evaluate

Six questions for any vendor.

Use them to compare Qurable, Talon.One or any other platform in an RFP.

  • Where is the reward decided?

    Before, during or after payment, and with what measured latency.

  • How is each point recorded?

    Real-time liability, expirations per batch and reversals with entries.

  • What if the service does not respond?

    The sale should never be blocked.

  • Does it have clients in my country and industry?

    Ask for named cases, not just logos.

  • How long until it goes live?

    With a phased plan and a measured pilot.

  • Where does my data run?

    In the vendor's cloud or yours, and in which region.

Built in Latin America

A team in the region, from sale to operations.

The people who sell, design the product, implement it and run it with your team are in Latin America. Product decisions are made around the region's payment methods, POS systems and currencies.

  • Sales

    Account executives in Argentina and Chile, and soon in Mexico.

  • Product

    A roadmap built for the region: local POS systems, wallets and processors such as MODO, Mercado Pago and Pomelo.

    Loyalty at the POS and checkout

  • Technical and implementation

    Engineering and support in Spanish and in your time zone; live in 1 to 3 months.

    How to migrate your program

  • Multiple countries and currencies

    One program with rules, currencies and liability per country.

    Enterprise loyalty in Latin America

Questions

What people ask about Qurable and Talon.One.

Short answers for loyalty, marketing, technology and procurement teams.

Promotions and loyalty engine for enterprise brands in retail, QSR, travel and finance, according to its website. Adyen closed its acquisition on July 1, 2026. Qurable is a Latin American platform that decides the reward inside the payment authorization, in ~150 ms; supports coalitions and points interoperability between brands; unifies the member from store, app and ecommerce in one profile; segments and personalizes with an AI decision engine, and provides white-label components for your app and website. It runs programs in more than 6 markets in the region.

Its website says it has LATAM clients and publishes cases with PedidosYa in South America and Finvero in Mexico (2022). It lists no offices in the region.

Yes. Its sales, product, technical and implementation teams are in the region, working in Spanish and in the client's time zone.

Yes. Pomelo offers points and cashback to its clients with Qurable behind it, and they always operate from Pomelo's console. Credit Union Travel offers travel rewards to US credit unions, also built on Qurable.

One that applies the reward at the pump and in the store. In the region, Qurable runs the Shell Box and ON by Axion Energy programs in Argentina, with the reward applied at payment.

One that applies the reward at the register, before the receipt. Qurable runs Mostaza's MostaClub in Argentina, Uruguay and Paraguay.

One that combines points, tiers and partners. In the region, Qurable runs SKY Airline's SKY Plus in Chile, with points, missions, three tiers and more than 70 partnerships.

One that decides cashback or points inside the card authorization. Qurable does it live with Pomelo, Santander Peru, Banisi and Konfío.

One that recognizes the same member across every brand. Qurable runs Grupo Dabra's TRIBU for Dexter, Moov and Stock Center.

Yes. Migration moves balances, tiers and expirations from another platform without losing balances, following a phased plan.

Not necessarily. Qurable can integrate with your CRM and marketing stack, such as Salesforce, Microsoft Dynamics, Braze or Klaviyo, through APIs and webhooks.

Last reviewed

Further reading

Guides for building the shortlist and the RFP.

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